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Specialized coverage for K-12 schools, private academies, colleges, and educational nonprofits across Pittsburgh, Western Pennsylvania, and the Mid-Atlantic region.

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Your risk profile isn't standard. Neither is our approach.

From student liability and FERPA-regulated data to abuse and molestation coverage and educators professional liability, educational institutions carry a risk profile that demands a specialist. Simpson | McCrady brings 100+ years of independent brokerage experience and direct access to specialty carrier markets, so your program reflects the full scope of your institution, not a packaged policy built for a simpler organization.

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Why This Requires Expertise

Why Educational Institution Insurance Requires a Specialist

Body copy loads from the CMS.

Educational institutions carry one of the most layered risk profiles of any organization type, and most generalist brokers are not equipped to navigate it. A single campus may require simultaneous coverage for student and participant liability, abuse and molestation exposures, employment practices liability, educators professional liability, and directors and officers coverage for a nonprofit board, each with distinct underwriting considerations and carrier requirements.

The regulatory dimension adds further complexity. Schools handling student records face FERPA compliance obligations and the cyber liability exposures that come with them. Pennsylvania-specific licensing requirements and state nonprofit compliance obligations introduce additional legal exposure that a broker without regional depth may overlook entirely.

This is before accounting for specialized facilities (labs, gyms, performing arts spaces), transportation fleets, food service operations, summer programs, and field trip liability. Each represents a distinct risk category that demands precise, purpose-built coverage. When a school's business manager or risk officer is evaluating an insurance relationship, they need a broker who already understands this landscape, not one learning it on their institution's time and budget.

What We Cover

School Insurance Coverage Types We Place

General Liability

Broad liability protection covering bodily injury, property damage, and personal injury claims arising from school operations, campus activities, and third-party interactions.

Student & Participant Accident Insurance

Medical expense coverage for students, participants, and volunteers injured during school-sponsored activities, athletics, field trips, and extended-day programs.

Abuse & Molestation Liability

Critical coverage for schools, childcare programs, and educational nonprofits, addressing allegations of sexual abuse or molestation involving students, staff, or volunteers. Routinely excluded from standard GL policies; must be placed through a dedicated line with appropriate underwriting.

Educators Professional Liability

Protection for claims arising from alleged errors, omissions, or negligent acts in the delivery of educational services, including curriculum decisions, disciplinary actions, and special education obligations.

Employment Practices Liability (EPLI)

Coverage for claims of wrongful termination, discrimination, harassment, or retaliation brought by employees or applicants, a material exposure for institutions with large, multi-role staffing structures.

Directors & Officers (D&O) Liability

Protection for board members and executive leadership of nonprofit educational institutions against claims of mismanagement, breach of duty, or governance failures, essential for privately governed and nonprofit schools.

Cyber Liability & FERPA Compliance

Coverage for data breaches, ransomware incidents, and regulatory response costs tied to student record obligations under FERPA and Pennsylvania state data privacy statutes, including breach notification, legal defense, and crisis management coordination.

Property & Specialized Facilities

Commercial property coverage calibrated for the full complexity of educational campuses (including laboratories, gymnasiums, performing arts spaces, libraries, and auxiliary buildings), with valuation methodologies appropriate for specialized structures.

Commercial Auto & Fleet

Coverage for school-owned vehicles, transportation fleets, and hired and non-owned auto exposures arising from field trips, athletic transportation, and shuttle programs.

Workers' Compensation

Statutory workers' compensation coverage for faculty, staff, administrators, and part-time employees, with experience modification management support to protect your long-term rate position.

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Our Approach

Independent Advocacy for Educational Institutions: From Risk Assessment Through Claims

Simpson | McCrady operates as a fully independent broker, not an agent tied to any single carrier. That distinction matters directly for educational institutions. Our independence means we access the specialty carrier markets most competitive for your risk profile, negotiate on your behalf, and build a program that reflects the full complexity of your institution, not a bundled solution optimized for administrative convenience or carrier volume commitments.

Our process begins with a structured risk assessment specific to your institution type, whether you operate a K-12 independent school, a private academy, a college or university, an early childhood program, or an educational nonprofit. We map your exposures across every operational layer: facilities, personnel, student programs, transportation, governance, and data systems. From there, we engage the carrier markets best positioned to underwrite your specific risk profile and construct a program designed for genuine coverage adequacy.

Throughout the policy lifecycle, we remain your advocate, not your carrier's. We conduct annual program reviews, support claims navigation, monitor regulatory developments including Pennsylvania Department of Education requirements and state nonprofit compliance obligations, and identify coverage gaps before they become exposure events. For educational institutions across the Pittsburgh region and throughout Western PA and the Mid-Atlantic, that sustained advisory relationship is the material difference between a brokerage partner and a transactional vendor.

Institutional buyers who have inherited a poorly structured program, or worked through a significant claim with a broker who disappeared, know exactly what that difference costs.

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Firm Credentials

The Depth Behind Your Coverage

100+

Years in Business

$20B+

In Insured Assets

5,000+

Clients Served

Independent

Broker: No Carrier Alignment

Speak with a Trusted Advisor

Speak With an Advisor

Educational Institutions

Coverage Specialist

One straightforward conversation is all it takes to understand where your coverage stands, and where it should be. Protecting Tomorrow Today.

Prefer to call? 412-261-2222 · info@simpson-mccrady.com

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